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The famous, John Lennon said, “Life is what happens while you’re making other plans.” Children, or parents, get sick…people have accidents…fires, tornados, hurricanes, earthquakes can happen. Any of which could cause you to have to cancel or delay your planned vacation.

Travel Insurance is an inexpensive investment which offers the peace of mind of knowing if one of life’s little stumbling blocks occurs before, or even during a trip, your Non-refundable trip deposits and payments will be reimbursed.

You can, and should, purchase Travel Insurance when you make your first trip payment or deposit. This enables you to take advantage of important “Bonus Benefits” which may be offered by your chosen Travel Insurance Company (The waiver of Pre-existing Medical Conditions and/or the Bankruptcy or Financial Default of your travel supplier or vendor ie, cruise line or tour operator.). If the Travel insurance is purchased within 14 to 21 days of the initial trip deposit or payment, depending upon the insurance plan, the underwriter may include one, or both, of these valuable bonus benefits.

The main benefit of purchasing your plan as early as possible is to “lock out” pre-existing conditions. Any trip to the doctor prior to the purchase of the insurance is considered a pre-existing condition and would not be a covered reason to cancel your trip. So the sooner the insurance is purchased the more valuable the protection becomes.

Just remember this comparison. You can’t purchase car insurance after you have had the accident. The same applies to Travel Insurance…trip cancellation will not cover a person who is already sick, or injured…that’s a pre-existing condition.

Travel Insurance is MUCH MORE than CANCELLATION INSURANCE.

Although more than 85% of all claims dollars are paid out because of trip cancellation or interruption, the actual majority of claims are submitted for lost, stolen, or broken personal belongings…Baggage claims. (Lost or stolen passports, visas, and travel documents are also covered under Baggage.)

Another major area for claims is Medical Expenses… This benefit pays all covered “out of pocket” payments related to a sickness or injury, which first occurs on your covered trip, and coverage continues for up to one year of the sickness or injury.

Next comes Travel Delay which reimburses expenses for accommodations and meals for travel related delays such as: a mechanical or weather related delay…loosing your passport, travel documents, money…someone in your traveling party becomes ill or is injured…just to mention a few reasons.

Baggage Delay comes next in volume of claims: If your bags are delayed by your common carrier for more than 24 hours you are reimbursed a daily sum of money to spend on personal essentials. This amount is “over and above” what the airline will give you for the delay.

The last benefit we want to consider, but the most important when needed, is Emergency Evacuation: This benefit comes into play when the worst of things happen…a catastrophic injury or illness occurs. A heart attack, stroke, appendicitis…or an injury which causes us to need a care flight…a doctor or nurse trauma team to fly with us…“Life Saving” at its highest level. It’s the unthinkable coverage which has saved many peoples lives and the pocket books of many insured in a very big way.

We have only scratched the surface of travel insurance and already I’m sure you have learned more about Travel Insurance than you probably ever wanted to know. As you can see by these examples, travel insurance is a very important and very practical feature, and should be included, just like your camera, in the planning phases of every trip you take. I hope you take from this the importance of including your travel insurance purchase when you make your initial trip deposit. And Through this you must have realized that there is a lot more to travel insurance than cancellation and interruption. That a single claim like, “My passport was stolen.” could generate multiple claims to benefits like travel delay…baggage…and trip interruption.

The only other peace of wisdom I can impart at this time is the importance of using an independent Travel Insurance Broker. Easily found on the internet, an independent agent should give you multiple underwriters to choose from, but without so many plans as to make it impossible to make a selection. Most plans are basically the same in their general exclusions and inclusions…but there are plans which are more individually suited to your specific travel needs. So it is important to deal with someone who knows what they are talking about…someone with experience, knowledge, and integrity and a product line which is comprised of plans which have unique variations making them appeal to the broadest spectrum of travelers.

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We make booking travel insurance online “safe and easy”, but also realize not everyone is comfortable purchasing over the internet. And sometimes you just want a live person to speak to, so feel free to call us toll free to discuss your travel insurance needs. We believe that “an informed customer is a repeat customer”.

Horse Insurance – Horses Insurance

Although pet insurance is usually standardized, horse insurance is an entirely different type of insurance. If you are looking to ensure your horse, here is a list of frequently asked horse insurance questions:
How old must my horse be to avail horse insurance?
Like medical insurance, horse insurance is also divided into surgical and medical insurance. A horse has to be more than 6 months old and less then 14 years old to avail full medical and surgical cover. Horse insurance also offers full mortality coverage for horses that are more than 24 hours old and are less than 18 years old.
Does horse insurance cover all horses? irrespective of their intended use?
Contrary to popular belief, race horses are not covered by regular horse insurance (namely they do not receive major medical/surgical or surgical only coverage). Race horse owners have to apply for special race horse insurance if they want surgical and medical cover for their horses. In addition, the horse’s intended use has to be mentioned on the horse insurance application form. Although, different insurance companies have different criteria, the extent of cover provided rests with the insurance company.
Is horse insurance valid worldwide?
Horse insurance is usually country specific. For example, a UK insurance firm will only offer surgical and medical cover to a horse as long as it is in the UK. However, horse owners can apply for international coverage and the list of countries covered usually varies from company to company.
Is a veterinary examination compulsory to avail horse insurance?
Most insurance companies do not require a veterinary examination before offering horse insurance, but a veterinary examination is solely at the discretion of the insurance company. If the horse is being insured for a large amount, insurance companies usually conduct a medical examination before providing horse insurance.
The same policy holds true if a horse owner wishes to renew his horse insurance policy. If the insurance company feels the horse is too old or they wish to ascertain the health of the horse, they can demand a mandatory veterinary examination before renewing the horse insurance.
How much can a horse be insured for?
A horse can only be insured for an amount that befits its market value. Most insurance companies allow horse owners to insurance their horses for ‘fair market value’ or an amount lower than the horse’s fair market value. For example, if a horse owner can sell a horse for £10000 then the insurance company will offer mortality cover for close to £10000.
The price of a horse can increase over a period of time, and an insurance company applies the above mentioned principle of fair market value while deciding on the revised terms and conditions of the horse insurance. A competition record, professional evaluation, or other documentation is normally sufficient to provide proof of the horse’s value. It is important to remember that the higher the value of the horse, the higher the insurance premium and it is in the owner’s best interests to get an unbiased evaluation of the horse’s value.
Understanding horse insurance
A horse between the age of 6 months and 14 years is an ideal candidate for major medical/surgical coverage (in addition to mortality insurance). Typical horse insurance will reimburse a horse owner for covered veterinary costs (both medical and surgical) in the event of injury, illness, accident or disease. It is important to remember that a horse’s mortality cover is only applicable for humane destruction and horse insurance does not cover economic destruction. In essence, only when a veterinarian decides a horse should be killed will the insurance company offer mortality insurance. A horse owner is expected to offer a horse full medical and surgical attention if the veterinarian believes it will help the horse and killing a horse for lack of funds will null and void the horse insurance.
For more information on horse insurance visit www.horsetraderonline.co.uk/gohtmlist.php?adcat=28

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Gareth Taylor is the author of this article on Horse Insurance. Find more information about Horse Insurance here.

1. So easy to book
2. Found it very easy to get around and easy access to information I needed (Existing medical conditions).
3. The help with medical screening and the service received was great.
4. Given reference numbers to enable me to get a quote.
5. Prices are excellent.
6. Purchase travel insurance and then knowing that I would not find better value and service anywhere else.
7. Fantastic site, easy to use very competitive prices friendly company to speak with.
8. This company gives excellent value for money travel insurance for people who have existing medical conditions. The medical screening was quick.
9. Had a quote and a reference number for the medical aspect of the policy within 10 minutes.
10. Pleasantly surprised by the cost of the travel insurance itself. They really do listen to their customers and offer insurance that reflects the real risk to insurers.
11. Excellent annual prices for over 65’s have recommended to my Friends.

These are extracts from a few visitors applying online for travel insurance, sharing their experience.

Traveling today is among basic necessities and requires concrete planning to both save money and get maximum comfort while you are traveling.

It is not possible to go around hundreds of travel agents and get the best quote for your travel insurance.

Thanks to internet, it is so easy and time saving to get the required information and best prices while sitting at home and you can do this any time from anywhere

Most of the time people obtain additional information from travel insurance web site that helps them in making their travel more comfortable and cost effective.

Travelinsure genie is not intended to get business only but its main objective is to keep the potential traveler’s aware of the importance of travel insurance and give them right advices so that they can get travel insurance matching their requirements and avoid paying extra for some thing not required.

Source:
www.travelinsuregenie.com

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Shahid Mahmood Travel Insure Genie

Everyone needs the term life insurance to add more security to life. We help you out with all your needs including the paperwork.

When you want a complete and pure life insurance cover for you or your family members then the term life insurance is your best bet. It is considered to be the original form of life insurance and is regarded as pure insurance protection because it builds no cash value.

It is also the most affordable type if compared to permanent insurance such as whole life, universal life or variable universal life insurance. As this builds no cash value it means that it will not offer you a return on your investment and your money is not returned at the end of the term.

Still, it can be the best way to insure one’s life and to cover the risk in certain conditions. People opt for this form of insurance when they need protection for a certain period of time. In general it may not be the most sensible insurance option if thought over practically, especially for those who are not looking at insurance as an investment option.

But there are circumstances where it works out well than the other policies that carry a much higher premium compared to this one.

This insurance is suitable to people having a considerable amount of debt and young children to support, or for young couples who need to have life cover. In such cases it is very difficult to pay the premium of the whole insurance. At such times, this policy comes as an answer to this people.

The premium of this policy is much lower and affordable compared to other insurance policies and for the specified period of time there is a sense of security for the person who is insured. Worst come worst, after insuring for this policy if the insured were to die the amount insured is paid to the family and this money in such a situation will be exactly what the dependants’ need.

The biggest benefit being the fact that term insurance can provide fairly large amounts of coverage with relatively low premiums.

The coverage of this policy can be decided according to the amount of debts the family is having or the number of dependents and their financial needs in case the unexpected happens. The term of the insurance can be decided on the time your children or dependents will take to become financially self-sufficient. You should also consider your financial needs and those of your dependents.

There are many companies that offer this particular policy. It is advisable to look for the company with reputation of answering the claims in short time with no hassles to the dependents. You can ask for online quotes from these companies to get multiple quotes so that you can decide between them.

As this is a policy for a specific period of time, take the cover for the most crucial period when you have many responsibilities to shoulder. In all, it is the best way to get the insurance cover in low premiums and to plan ahead.

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Save money on term life insurance while providing the security your family needs in case of an accident. Learn more at Term-lifeinsurance.biz.

Do not forget to include travel insurance in your to do list before planning your travel. Most people take travel insurance lightly and never discussed travel insurance in detail with their travel agents. This is important to know the features of travel insurance you are getting before your travel to avoid compensate any unforeseen incident.
Travel insurance covers different features and it is up to you to choose appropriate features. The first and most common is Trip Cancellation/Interruption coverage. Most of these policies cover cancellations due to weather, sudden illness or death, emergency military duty, and bankruptcy of airline. Many also include terrorism insurance that reimburses your expenses in the event that the government announces travel warning.
Another common type of travel insurance is for medical emergencies. This type of coverage is particularly useful if you plan on traveling to underdeveloped countries, or for individuals with a chronic illness that might require medical attention at some point during the trip. These policies will reimburse you for the cost of doctor visits, medication, and sometimes even medical evacuation out of the country. It’s best to check with your insurance provider regarding the details, as travel health coverage policies vary widely.
It is also possible to obtain travel insurance that will cover non-refundable tickets in the event that a trip has to be cancelled for any number of reasons. Some coverage plans will sometimes cover missed connections as well, which can be a lifesaver in the event of a flight delay or over-crowded and/or confusing airport terminal.
For longer trips, or for frequent travelers, a comprehensive insurance package is probably the best value. These usually provide a wide variety of coverage, and some even allow you to choose what kinds of coverage to be included. Since it’s impossible to know what problems might arise during your trip, these policies cover all the bases so that you have protection against monetary loss in the event of nearly any emergency.
TravelInsureGenie is your right travel partner to give you complete details and consultancy for your travel insurance requirements.
Source:
www.travelinsuregenie.com

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Shahid Mahmood Travel Insure Genie